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Cost of Living in Europe: Germany, Poland, Austria, Malta and the UK

Cost of Living in Europe: Germany, Poland, Austria, Malta and the UK

16 October 2026 · 2 min read ·

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A comparison of five countries by rent, daily living, tuition fees and official costs, plus the items to keep in mind when planning your budget.

The answer to the question “Where should I study or work?” usually starts with the budget. The comparison below positions countries relative to one another in terms of rent, transport, food and official costs. Since exact amounts vary greatly by city, period and lifestyle, we have given relative levels rather than figures; if you are looking for an official reference, the living cost amounts required in visa applications give a good idea of the minimum.

Overview

CountryRentDaily livingTuition (public)Note
GermanyMedium–high (Munich, Frankfurt very high)MediumMostly tuition-free, semester contributionBlocked account for student visa
PolandLow–medium (Warsaw highest)LowEnglish-taught programmes charge fees, but reasonableZłoty, not euro
AustriaMedium (Vienna balanced)Medium–highReasonable semester fee for non-EU studentsAnnual public transport pass is economical
MaltaHigh (central areas)MediumLanguage schools charge weekly feesSummer season pushes up accommodation prices
United KingdomVery high (London), medium (other cities)HighHigh for international studentsImmigration health surcharge paid with the visa

Items that determine your budget

  • Rent and deposit: In the first month, a deposit of usually 1–3 months' rent is paid together with the first month's rent; this is the largest start-up cost.
  • Health insurance: In some countries it is deducted from salary while students pay separately; in the UK it is paid upfront with the visa application.
  • Transport: Student and annual passes offer significant savings.
  • Official costs: Visa, residence card, translation and apostille fees; for details, see our apostille and translation guide.

How to decide?

Looking only at rent can be misleading: in Germany and Austria, the low fees at public universities offset the burden of high rents; in Poland, both rent and daily living costs are low, but programmes charge fees; in the UK, although the total cost is high, shorter programmes reduce the overall duration. Post-graduation work opportunities and language advantages should also be taken into account.

For university and programme fees by country, visit our universities page; for work visa requirements, see the work visa guide.

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This page is for general information purposes only. Salary thresholds, fees and visa requirements are updated frequently; confirm the current situation with your consultant or official sources before applying.

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